2. Credit history If you want to successfully open an online merchant loan, you must have a good credit history. Therefore, business owners and enterprises must pay attention to protecting credit and ensure timely performance.
3. The favorable rate of a company is also very important for whether it can open online business loans. For enterprises that open online stores, we must pay attention to maintaining the daily services of online loans and try our best to provide satisfactory services for customer service.
4. Refund rate is also an important reference index for online business loans and corporate refund rates. For enterprises whose online loans show that they can't provide loans for you temporarily, try to reduce their customer refund rate.
1. The essence of Internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation and [1] strengthening supervision and mutual support, we will promote the healthy development of internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.
2. Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court. Network small [2] loan refers to the small loans provided to customers by Internet companies through their holding small loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission. The supervision of online lending platforms, from up to five or six thousand to the end of June, is only 29, and the special rectification work may basically end at the end of the year and turn into regular supervision.